Fifth Third Bank

FIFTH THIRD BANK
October 23, 2014
[redacted]
Re: Mortgage Loan[redacted]
Dear Mr. [redacted],
We received the complaint you filed with the
Revdex.com regarding your mortgage loan. We appreciate the time you
have taken to...

document your thoughts and concerns regarding this matter.
On behalf of the Bank, I
apologize for any frustration this may have caused you. We strive to provide
accurate and professional service to our customers and I regret if this is not
the level of service you received. In the interest of customer service, we have
enclosed a check for $[redacted] for the buy down cost associated with the[redacted]%
interest rate you received on your mortgage loan.
We appreciate your patience while waiting for a response. If I
could be of further assistance to you, please contact me directly at [redacted]
Consumer
Resolution Specialist Office of the President
Pc: Revdex.com
Enclosure: Check

[redacted] Date: October 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Equity FlexLine Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

the lien release associated with your Equity FlexLine. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for taking the time to speak with me on October 26, 2016. Per that conversation I sent a copy of the lien release document to you via [redacted]. The tracking information on that package confirmed you received the letter Thursday, October 27, 2016. Upon receiving your complaint, I contacted the relevant parties to determine the delay in processing your lien release. Unfortunately, because of the length of time your loan had been closed, we were unable to determine the root cause of the lien release delay. Please use this letter as confirmation that the lien release document was sent to [redacted] County on October 25, 2016. Our research determined two (2) attempts by the customer service department to process the requested lien release. On September 26, 2016, and October 11, 2016, you contacted the Customer Service Department and the agents submitted a release of lien request. The September 26, 2016, adjustment request was denied by our operations department as an incomplete request. The October 11, 2016, request was processed and completed within ten (10) business days. The release of lien document sent to you on October 27, 2016, was from the October 11, 2016 request. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted]
[redacted] Date: March 30, 2015 Account: [redacted] Re: Standard Platinum [redacted] Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and the [redacted] regarding your...

credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Fifth Third Bank takes these matters seriously. Please be assured we have researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry if we failed to meet your expectations. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction. On August 22, 2014, you applied for a Platinum [redacted] at the [redacted] Banking Center. Please note that approval for any Fifth Third Bank credit card is subject to eligibility and credit worthiness. As indicated on the application you signed, if you are not approved for a Platinum [redacted], you will be considered for a Standard Platinum [redacted]. Please also note that the Platinum [redacted] and Standard Platinum [redacted] products are different, including any introductory APR (Annual Percentage Rate) offers. I have enclosed a copy of your application for your review. At the time you applied for a Platinum [redacted], the promotional APR was 0.00% for twelve (12) billing cycles. Please note that the 0.00% introductory APR for fifteen (15) billing cycles is a recent promotion and was not available at the time you applied for a Platinum [redacted]. Unfortunately, you did not qualify for a Platinum [redacted]. However, you were approved for a Standard Platinum [redacted] with a limit of $500.00. The Standard Platinum [redacted] product offers an introductory rate of 0.00% for six (6) billing cycles. This information is disclosed in the Fifth Third Bank Card Agreement you received. I have enclosed another copy of the agreement for your review. Please refer to page fourteen (14) of the agreement for information regarding the Standard Platinum [redacted] product. The 0.00% introductory rate for your card expired after the billing cycle ending on February 17, 2015. This is the reason why a finance charge of $4.74 was assessed to your card on March 17, 2015.It was certainly not our intention to cause you any hardship. As you are aware, after speaking with customer service on March 20, 2015, we waived the finance charge of $4.74. We also reinstated your 0.00% rate for purchases effective March 23, 2015, to March 26, 2016. I hope this letter meets your satisfaction and resolves your needs.Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com, [redacted]Enclosures (2): Application and Card Agreement

[redacted] Date: May 10, 2016 Account: [redacted] Regarding Your Credit Card Dear [redacted]: We received a copy of the rebuttal complaint you filed with the Revdex.com, regarding the dispute claim submitted for your credit card account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience our dispute process may be causing you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. I have confirmed with our Dispute Department that your dispute claim number [redacted] has not been denied. On May 3, 2016, provisional credits for the disputed transactions were posted to your credit card ending in [redacted]. Therefore, your dispute claim is still open and we are actively investigating the unauthorized purchases. As stated in our previous response, please allow up to sixty (60) days for the investigation to be completed. If our research supports your dispute, the provisional credits will remain on your credit card and the related finance charges will be credited back to your account. However, if our research does not support your dispute or if we receive proof that the transactions are legitimate, the provisional credits will be removed and the applicable finance charges will be assessed to your credit card. After we have completed our investigation, a final resolution letter will be sent to the address on file detailing our decision. In order to follow up regarding the status of your dispute, please contact our Dispute Department at ###-###-####. Representatives are available assist you Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. [redacted] it is certainly not our intention to cause you any difficulty or frustration. You and your family are valued customers and we appreciate your business. As a result, we hope that all of you will continue to maintain your relationship with Fifth Third Bank. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.  Regards, *** ***

[redacted] Date: March 2, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: I appreciated the recent opportunity to speak with you regarding the complaint you filed with the...

Revdex.com. On behalf of the Bank, please accept our sincere condolences for your loss. Additionally, we strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Fifth Third strives to meet your financial needs while balancing a commitment to responsible banking practices. In support of this commitment, we reserve the right to review your account activity. Your Express Banking account was recently reviewed and it was determined that recent deposit activity exceeded the Bank’s risk tolerance. Therefore, a hold was placed on the account to prevent further debit activity and a notice was sent to you informing you that the Bank had decided to close the account. As we discussed, in order to withdraw funds from the account, you would need to visit a Financial Center. Your tax refund posted to the account on February 23, 2017. On February 24, 2017, you went to a Financial Center and withdrew the balance in the account and the account was closed at a zero (0) balance. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me.  
The business did resolve the matter after my complaints to the Revdex.com. 
 
The card was blocked but the business did respond to my requests to have the card reactivated in a timely manner. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.I do not understand how 5/3 arrived at the balance figure. I haven't taken anything out of this account other than to pay the credit card bills, I haven't written any checks.  Please explain.  And can I receive a check for the remaining funds?
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
I do not trust in Mr. Adan P.. Last time conversation on April 15,2016 he informed to me that his Company Fifth Third Bank will not change their determination from foreclosure to Bankruptcy Chapter 7, and will report it also to [redacted] and [redacted].,even when I provided all information of my discharge and also my Bankruptcy 7 filing date was on July 7, 2013 after the foreclosure date May 22, 2013.  Also Mr. P. in the first dispute sent me a letter on October 20,2015 that he submitted an update to all 4 credit bureaus to correctly report the account as being included in your chapter 7 Bankruptcy discharged on 10/29/13, with zero balance owed, and he never reported it to the 4 Agencies, because I had to do a new dispute against [redacted] and I have to do a new one to [redacted] because Mr. P. told me in that last call on April 15, 2016 that he will inform to [redacted] as well about my foreclosure.    I am still checking my [redacted] report recently and now [redacted] removed my bankruptcy 7 discharge and put again a debt of $170,000 with 4 missing payments on October and November 2011, and January and February 2012. When this debt was supposed to be removed with zero balance, no missing payments and with the reason of Bankruptcy 7 discharged. Mr. P. is not a man of word. I will appreciate if Revdex.com supervise Mr. Prussia to provide the information of my bankruptcy 7 discharge with zero balance, no missing payments  to the 4 Credit bureaus like he supposedly indicatd in this current letter. Thankssee copy of [redacted] report: [redacted] * * * [redacted] ** [redacted] * * * * * * * * * [redacted] ** ** ** ** ** ** ** ** ** ** ** [redacted] ** ** ** ** ** ** ** ** ** ** ** [redacted] ** ** ** ** ** ** [redacted] * * * * * * * * * * **  [redacted]

I would like some money back - On February 21 2016 I had got loan from 53 third bank for an automobile.  Loan was in the amount of $ 19,937.17.  I was to make my first payment 4 /6/16 I had contacted the bank about automatic payments. I was told they needed a cancelled check I then told them I have not had a check in years. She said well you can make a payment on line at no charge. I said great that till give me a month to go to the bank and get checks.  I had made my payment so I would not be late for my first payment. I then noticed that 53 third bank had taken the payment of 334.03 on the due date after I had already made the payment.  When they took out the second payment it caused overdraft fees on my account. After a week or so I finally got my money back on the double payment and the overdraft fees.  When 53 third bank called to notify me they are sending me a check for the overdraft fees $70.00.  I had found another bank with a lower interest rate so I then started to proceeding of changing my loan to another bank   Original loan     19,937.17  Payment                  334.03   first monthly payment   Balance             19,603.10 [redacted] PAY OFF     19,466.60 Difference of            137.10 [redacted] called the auto pay off line and stated the payoff was 19,466.60.  When 53 third bank called me stating it was error on their side they will refund my $70.00 by check but I still had a balance of 311.00 I asked how this could be   53 third bank is telling me that the payoff amount that [redacted] got was when 2 payments were made which would have been 334.03 plus 334.03 –that equals 668.06     Original loan amount 19,937.17 53 third bank is stating the payoff amount that [redacted] got was because of the 2 payments they took if that was the case it was lower than 19,466.60 Two payments they are saying minus 668.06 Should be 19,269.11 which is not 19,466.60   I am very unhappy with the way this has been handled I had contacted 53 third bank for several weeks starting 3/18/2016 when I wanted to set up auto payments.      I called Felecia at ###-###-#### starting 4/13, 4/14, 4/15, 4/18, 4/20, 4/21, 4/22, 4/25, 4/26, 5/6, 5/9, 5/10, 5/11 During this time frame she stated that I was being charge finance charges I was told she would reverse the charges due to the fact she had to research to see why I had a balance and what was going on   Also stated that this would be taken care of before the May 6th payment Then she called me and told me that when she tried to reverse in system It was only 0 .74. When should have been 25.00 or so.   I do not understand how they figure I still owed over 300.00   I can see the amount of 137.10 clearly but not 311.17 as they state You can clearly see it in the numbers from the original amount I financed minus the one payment I would appreciate any and all help with this situation.    If anyone would like to contact me on this matter please do ###-###-####   Thank you [redacted]

October 22, 2014
[redacted]
Re: Checking Account[redacted]
Dear Ms. [redacted],
We received a copy of your additional complaint filed
with the Revdex.com regarding the overdraft fees charged to your
checking account. We appreciate the additional time you have taken to share
your thoughts regarding this matter. On behalf of the Bank, we would like to
offer our sincere apologies for any inconvenience or frustration this matter
may have caused you.
At
Fifth Third Bank, we are continuously evaluating the service we are able to
provide to our customers. Please be assured that we take your comments very
seriously. We sincerely value your feedback as it assists us in delivering
first class customer service which is a priority to us. It is feedback like
yours that helps to improve the level of service we provide to our customers. Please
be assured that the relevant parties have been contacted to express your
dissatisfaction with the overdraft fees that were charged to your checking
account.
We
sympathize with the difficulties you have encountered with your account. As a
valued customer, on June 24, 2014, we reversed $[redacted] in overdraft fees that
posted to your account. In the interest of customer service, on October 16,
2014, an additional $[redacted] in overdraft fees was credit to your account.
However, we are unwilling to reverse all of the overdraft fees charged to your
account since September 29, 2014, as your complaint has requested.
Ms. [redacted], I am
sorry for any frustration this situation has caused you. However, we have fully
researched your concerns and we consider this issue closed. You are a valued
customer and we sincerely hope that you continue using Fifth Third Bank for
your financial needs in the future. If I could be of further assistance to you
please contact me directly at [redacted].
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

[redacted] Date: April 5, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your mortgage loan...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I confirmed that you enrolled in the Bank’s automatic payment program for your mortgage loan, Auto BillPayer, in August 2015. The first (1st) automatic payment was to process on September 5, 2015. Unfortunately, the routing number utilized on the Auto BillPayer enrollment form was incorrect. This caused the payment to be rejected and reversed off your mortgage loan. We corrected the routing number in our systems, and the next payment we automatically processed on October 5, 2015, was successful. We have continued to successfully draft the payment via Auto BillPayer each month since that time. However, because a replacement payment was not received for the returned September 2015 payment, the account was continuously paid one (1) month in arrears until May 2016. Due to the continued delinquency, the account accrued $258.66 in late payment fees. The $258.66 in late payment fees was reversed off the account on February 2, 2017. Enclosed is a copy of the February 2017 mortgage statement that shows the fee reversal. No additional late payment fees have accrued since that time. We are unable to offer additional financial compensation as requested. As of March 30, 2017, there are no outstanding late payment fees owed on the account. While researching your concerns about the fee waiver, I determined that the account was reported thirty (30) days late each month from September 2015 through April 2016. Please be assured that we have submitted a request to all four (4) credit reporting agencies to remove the late payments reported from September 2015 through April 2016. Please allow approximately thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Mortgage Loan Statement

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your [redacted] Credit Card. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. I also want to thank you for taking the time to speak with me regarding your concerns. Since you stated that you did not make the purchase of $13.83 that posted to your [redacted] Credit Card ending in [redacted] on November 21, 2016, and the purchase of $36.36 that posted to your account on November 25, 2016, our Disputes Resolution Department opened case number [redacted] to investigate your dispute. Their investigation determined that the purchases were not valid and approved your dispute. You are not responsible for repaying the purchases and related fees. I have enclosed a copy of the letter they sent to you on April 4, 2017. Your card ending in [redacted] was closed due to fraud and a new [redacted] Credit Card ending in [redacted] was opened as a replacement. Due to the fraud on your account, we also submitted an update to all four (4) credit reporting agencies to remove the account ending in [redacted] from your credit report. Please allow up to thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Since you said you did not receive your statements, we confirmed that your statement preference for your new account ending in [redacted] is for the statements to be mailed to the mailing address on file. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Dispute Approval Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   Regards,
[redacted] Sorry I agree with the results, but not the way it was handled. I had to call the bank on Wednesday 8/24/2016 to find out what was going on. I explain to the man on the phone this has gone on to long he said they could not figure out what happen and was going to give me the money. I told him it wasn't the money it was the principal. I told him that I talk to several representatives who told me different stories what happen they need to hire people that do not lie along with corporate to save their as. This has made me angry how this had to come down to this point and for them to send a response like this is ridicules, this is not a good consumer company that needs people business. I will keep the account open until further notice.Thank you

October 31, 2014 [redacted] [redacted] 
[redacted] 
[redacted] Re:[redacted] Dear Mr. [redacted], We received a copy of your complaint filed with the Revdex.com, the information reporting to the credit...

bureaus for your credit card account. We appreciate the time you have taken to document your concerns regarding this matter, and we sympathize with the difficulties you have experienced. It should be noted that each credit bureau determines how long an account is reported on a customer’s profile and when this information is removed from their records. The Bank does not determine the reporting timeframe for an account. We have completed our review of the payment history reporting on your credit report for your credit card. Our review determined that the information provided to the credit reporting agencies is accurate. We confirmed that the [redacted] and [redacted] credit bureaus are not reporting a tradeline for your credit card. However, [redacted] is currently reporting information for your account and the tradeline is scheduled to continue showing until April 2015. Please be aware that your account has not been re-aged by the Bank. We regret any frustration this may cause you, however we are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] (800) [redacted] ? [redacted] (800) [redacted] ? [redacted] (800) [redacted] (800) [redacted] We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you please contact me directly at [redacted] 
[redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I am hopeful that the resolution will be reflected on my bill as stated in the letter and will be able to confirm this once I get my next month's statement.  Thank you very much for your help in this matter.  I really appreciate your efforts and helping customers make things right.  Thanks again!
Regards,
[redacted]

[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the online bill payment activity via 53.com, which included the following: **On March 1, 2016, a one-time, immediate payment to [redacted] in the amount of $20.00 was initiated by you. This payment was sent electronically on March 2, 2016, and posted to the Essential Checking account the same day. ** On March 1, 2016, a one-time, immediate payment to [redacted] in the amount of $272.10 was initiated by you. This payment was sent via check number [redacted] on March 1, 2016. This check posted to the Essential Checking account on March 9, 2016. ** On March 2, 2016, a one-time, immediate payment to [redacted] in the amount of $10.00 was initiated by you. This payment was sent electronically on March 2, 2016, and posted to the Essential Checking account on the same day. ** On March 28, 2016, a one-time, immediate payment to [redacted] in the amount of $272.10 was initiated by you. This payment was sent via check number [redacted] on March 28, 2016. This check attempted to post to the Essential Checking account on April 7, 2016, but was returned as a result of a stop payment placed on the account. ** On March 30, 2016, a one-time, immediate payment to [redacted] in the amount of $414.00 was initiated by you. This payment was sent electronically on April 1, 2016, and posted to the Essential Checking account on the same day. It should be mentioned that a stop payment was placed on the account on April 7, 2016, for a payment dated April 1, 2016, to [redacted] in the amount of $414.00. Because this payment was sent electronically and posted to the account on April 1, 2016, the payment could not be stopped on April 7, 2016. ** On March 31, 2016, a one-time, immediate payment to [redacted] in the amount of $20.00 was initiated by you. This payment was sent electronically on April 1, 2016, and posted to the Essential Checking account the same day. **? On March 31, 2016, a one-time, immediate payment to [redacted] in the amount of $184.00 was initiated by you. This payment was sent via check number [redacted] on March 31, 2016. This check posted to the Essential Checking account on April 6, 2016. We also conducted a review of your telephone calls with the Bank, and we were unable to locate a call with a representative that provided instruction or assistance in cancelling any online bill payments. However, we did review your call with the Bank on April 4, 2016, and you informed the representative that you figured out how to delete the payments yourself because the hold time was too long. Our review of the online bill payment system included the activity on March 29, 2016, and April 1, 2016, where the following payees were deleted: [redacted], [redacted], and [redacted]. Although these payees were deleted, the previously detailed payments were scheduled, and not cancelled. Our review of the online bill payment system determined there was no Bank error in proce[redacted]ng the requested transactions. If you wish to request a refund of a payment made via the online bill payment system on 53.com, you would need to contact the recipient of the payment with this request. I apologize for any additional frustration this may cause you, and any difficulties you experienced when attempting to discuss this matter with the Bank. We also completed a review of the Essential Checking account ending in [redacted]. Our review of the account included the following: ** Your beginning balance on April 1, 2016, was $7.22. A direct deposit in the amount of $713.00 was received and the funds were immediately available, making the available balance $720.22. On this same date, three (3) merchant payments and two (2) online bill payments posted to the account, totaling $729.78. Because there were insufficient funds to cover all of the transactions, the online payment to [redacted] was assessed an overdraft fee in the amount of $25.00 the following business day. ** Your beginning balance on April 4, 2016, was negative ($9.56). There were four (4) credits to the account, totaling $719.32, and leaving an available balance of $709.76. In addition to the previously mentioned $25.00 overdraft fee, there were seven (7) transactions, totaling $508.34 that posted to the account, leaving an available balance of $176.42. ** Your beginning balance on April 6, 2016, was $176.42. There were three (3) debit card transactions and one (1) check that posted to the account, totaling $238.33. Because there were insufficient funds to cover all of the transactions, the check was assessed an overdraft fee in the amount of $37.00 the following business day.** Your beginning balance on April 7, 2016, was negative ($61.91). The previously mentioned overdraft fee in the amount of $25.00 was reversed and credited to the account. In addition to the previously mentioned $37.00 overdraft fee, three (3) debit card transactions, totaling $37.37 and one (1) check in the amount of $272.10 attempted to post to the account, leaving a negative balance of ($383.38). The three (3) debit card transactions were paid. Our records indicate that a stop payment was placed on the account on April 7, 2016, for check number [redacted]. Because of this, check number [redacted] in the amount of $272.10 was returned the following business day, leaving the account at a negative balance in the amount of ($111.28).** On April 11, 2016, the previously mentioned $37.00 overdraft fee was reversed and credited to the account, and the negative account balance was ($74.28). I have enclosed a copy of this statement and the overdraft notices for your records and review. Our review of account activity has determined there was no error in assessing the overdraft fees to the account. Although there was no error, in the interest of customer service, the overdraft fees totaling $62.00 were reversed and credited to the account, as previously detailed. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosures: Statement, Overdraft Notices

[redacted], We received the attached rebuttal for [redacted]. We have previously opened 3 issues and fully researched this customer’s concerns. We have already provided the customer with a copy of the Satisfaction of Mortgage that was recorded by the county on 11/10/15, which documents the fee charged by the county. This newest complaint does not provide any additional information regarding this issue. We have provided 3 written responses to [redacted] and we are considering this matter closed. Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President

Re: Account #[redacted]   Dear [redacted]:   We received a copy of the complaint you filed with the Revdex.com dated December 8, 2014, concerning the closing of your checking account.  We appreciate the time you have taken to express your thoughts and concerns...

regarding this matter.       When closing an account it is important to ensure that there are no outstanding checks or pending electronic payments, and that all direct deposits and debits have been cancelled.  Although you requested for your account to be closed, the Bank must still process any outstanding transactions that post to your account.  If you have outstanding items that you wish to stop from posting to your account, you must make arrangements with the payees or place a stop payment for each transaction.  If items post to your account within one (1) business day of the account being closed, the account may reopen and those items may be returned unpaid and subject to overdraft fees.  The Bank’s overdraft policy is outlined in the Rules and Regulations booklet that you received when you opened the account.   If your available balance is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees.  Although you requested to close the account with a zero balance on August 6, 2014, an outstanding Automated Clearing House (ACH) item of $48.00, previously authorized by you, posted to your account on August 6, 2014.  Bank representatives are unable to view items that will be deducted from your account until they are actually posted to your account. Therefore, we were unable to notify you of the outstanding ACH item until after your account had to be re-opened.  Your available balance on the account was negative ($48.00) on that day.  Due to insufficient funds, one (1) overdraft charge of $37.00 was assessed to your account for the ACH item and posted to the account on the following day. Your account remained overdrawn every day thereafter causing overdraft charges to be assessed until September 30, 2014 when the account was closed and charged off.  Please note that the Bank sent multiple notices and statements to you at the above address to advise you of the overdraft situation.  Enclosed please find copies of two (2) overdraft notices and three (3) monthly statements, which were mailed to you and reflect the overdraft situation on your account.    We empathize with the difficulties you have encountered with this account.  Therefore, we had the account returned from [redacted], reversed the overdraft charges, and removed the charged off status from [redacted].  Your account now reflects a zero balance and is closed.       I can assure you that it was not our intention to cause you any frustration or hardship.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.  If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.   Sincerely,   [redacted] Consumer Resolution Specialist Office of the President